Liberty Mutual vs. Travelers: Best Car Insurance for 2021
Travelers is the frontrunner when you compare American Family vs. Liberty Mutual for the best rates. A.M. Best has looked into Liberty Mutual vs. Travelers car insurance and given them both high financial strength scores. However, Travelers car insurance company rates higher at an A+, while Liberty Mutual got an A. Getting familiar with how discounts, age, location, and other factors affect your rates will help you find which company is more affordable, Liberty Mutual or Travelers.
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UPDATED: Jul 26, 2021
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- When looking at Liberty Mutual vs. Travelers car insurance rates, Travelers is more affordable in every category
- Discounts can help you save on your Liberty Mutual or Travelers rates
- Both Liberty Mutual and Travelers offer a variety of insurance products to suit your needs
Choosing a new car insurance company can be daunting because of all the options available. So, when debating between Liberty Mutual vs. Travelers, doing a quick comparison can make it easy to decide which company will work best for you.
While looking over the Liberty Mutual car insurance review is a good start, it doesn’t show you how Liberty Mutual stacks up against other top-rated companies. Both Liberty Mutual and Travelers have a lot to offer. From discounts to additional products, one will certainly have what you need.
Continue reading to see which company wins our comparison of Liberty Mutual vs. Travelers car insurance. To find cheap car insurance near you, enter your ZIP code here and compare rates from top companies.
Which company offers better rates, Liberty Mutual or Travelers car insurance?
Finding affordable rates is important to most people. Getting information on the Liberty Mutual or Travelers car insurance company will help lead you to the most suitable company for your driving and living situation. Rates can vary drastically between companies.
When you ask for a quote, an insurance company will survey a variety of different factors. These factors determine how risky it is to insure you, and after analyzing them, your base rates are set. Car insurance companies look at the following when determining your risk level.
- Marital status
- Vehicle (make, model, and year)
- Annual mileage
- Credit history
- Driving record
- Claims history
With that in mind, we’ve gathered a variety of rate information to give you an idea of what you may pay based on different scenarios. Base rates do not include any discounts that you may qualify for, so consider that when deciding which company will be the most affordable.
Liberty Mutual vs. Travelers Rates Based on Gender, Age, and Marital Status
While many things play a role in your rates, age is a critical element. Teenagers are considered high-risk drivers because of their lack of experience. So, you can expect teenager car insurance rates to be expensive.
Here’s a look at what you can expect your base car insurance rates to be if you choose to go with Liberty Mutual or Travelers.
|Gender, Age, and Marital Status||Liberty Mutual Average Monthly Rates||Travelers Average Monthly Rates|
|17-year-old Single Female||$822.96||$632.23|
|17-year-old Single Male||$1,015.13||$992.01|
|25-year-old Single Female||$273.95||$171.64|
|25-year-old Single Male||$291.84||$180.42|
|35-year-old Married Female||$257.16||$158.33|
|35-year-old Married Male||$264.99||$159.58|
|60-year-old Married Female||$225.50||$150.51|
|60-year-old Married Male||$257.34||$156.85|
In every category, regardless of age, gender, and marital status, Travelers car insurance offers better rates. However, getting a Liberty Mutual auto insurance quote will tell you exactly what you’ll pay based on your personal information.
Liberty Mutual vs. Travelers Rates Based on Driving Record
Obviously, your driving record is going to impact your car insurance rates. If you have infractions on your record, you will be considered a high-risk driver. High-risk car insurance is more costly, but as your driving record improves, your rates will go down.
Let’s look at some different driving record scenarios and what they may end up costing you.
|Driving Record||Liberty Mutual Average Monthly Rates||Travelers Average Monthly Rates|
|1 At-fault Accident||$517.07||$357.48|
|1 Speeding Ticket||$475.11||$355.07|
As you can see, Travelers is more forgiving when it comes to driving infractions. So, if your driving record is less than stellar, Travelers may end up being the most affordable choice.
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Which company offers better discounts, Liberty Mutual or Travelers?
Looking into discounts is simply smart business. Discounts can drastically reduce the cost of your monthly rates. Therefore, finding a car insurance company that offers multiple discounts you qualify for will help you save money.
Both Liberty Mutual and Travelers offer a decent number of discounts. While many of them are the same, both companies have some unique discounts. Let’s look at the discounts that are available through both of these powerhouse insurance companies.
|Adaptive Cruise Control||Yes||No|
|Daytime Running Lights||Yes||Yes|
|Student Away at School||No||Yes|
|Electronic Stability Control||Yes||No|
|Forward Collision Warning||Yes||No|
|Lane Departure Warning||Yes||No|
|Low Annual Mileage||Yes||Yes|
|Students & Alumni||Yes||No|
With the plethora of discounts available, you’re sure to save a decent amount regardless of whether you choose Liberty Mutual or Travelers. But most likely, you’ll save more with one than the other.
Which company has better customer satisfaction, Liberty Mutual or Travelers?
While costs and discounts are important, customer satisfaction is equally important. You don’t want to spend all day searching for the Liberty Mutual auto insurance phone number. You want an easy-to-use website and a customer service team that’s there for you.
Both of these companies rank well when it comes to customer experience. Whether you’re looking for the Liberty Mutual or Travelers insurance phone number, it’s easy to find on the website or app.
These two insurance companies both rank high when it comes to financial stability as well. Liberty Mutual has an A rating with A.M. Best, while Travelers has an A+. You won’t have to worry about your claims not being paid. Additionally, they rank about the same when it comes to overall customer satisfaction.
Hopefully, now you can decide if you want to buy Liberty Mutual or Travelers car insurance. Enter your ZIP code here to see quotes from top-rated insurers near you.